Complaint Review: FirstUSA Todd Meyers President - Tampa Florida

With the assistance of BBB, we have reached a settlement, that I am pleased with. As part of this settlement I need to withdraw the complaint

Karen Eatonville, WA

YOUR rebuttal states I live in Port Orange, Florida.  I have never been to Florida. I live in Eatonville, Washington the other side of the country.  Brunswick Merchant Services is not out of Business, they are under investigation by the FBI, for fraud. They have pulled this scam allover the USA, and are hiding from the FBI. FBI told me I would never see the $20,000 I invested to buy 270 leads for credit card machines to be sold by Brunswick.

The sales person from Brunswick claimed to be part of FirstData of New York, they are not. They do not have an office in Delaware at the address on their contracts. I had sent the wire money on Friday March 3, 2017   On Tuesday March 7th the Sales person at FirstUSA, contacted me, he knew all my information, what credit cards I was to charge for the training and support from Brunswick and said they were affiliated with Brunswick Merchant Services.  When I spoke to Keith Wiseman  at Brunswick on March 9th he promissed to get this cancelled for me.Keith said that First USA is not part of them.After March 9th the Head of Brunswick stopped taking my calls, and did not return them. The woman(Sabrina)who answered phones    said they had been selling leads to First USA for three years. She contacted the lady from First USA to help me get my LLC. She stopped taking my calls and returning my messages after May 12th.

I fell for the pressure from the sales person who verbally asked me to resind the cancellation and a new contract who be written to meet my needs. That was a lie, the changes were not what I needed, and no refunds were to be given.

I then asked for a refund of the unused services and asked my credit card companies to hear me out and Visa did agree with me cancelled the $4995.00 charges. Discover still does not believe I have circumstances beyond my control and kept the charges.Sales agent said I should of read all the contract before I recinded it, and I would get no refund. Implying it was all my fault.

On May 12th I found out Brunswick Merchant Services was wanted by the FBI for fraud. So all the weeks my campain manager was calling me each monday, telling me the sales of my leads, and that by June my $20,000 would net me about $58,000. Was all a lie.  I filled my complaint with the FBI, and when they called I was told never to expect to see my $20,000 investment from my retirement.

So I have lost $20,000, plus the fees for an LLC and Business License, the only service that was completed by FirstUSA was less than one hour on the phone to walk me thru the LLC. They knew from March13th that I wanted to be a hands off invester, I was not seeking leads, I had paid for leads to be sold. The landing page and web page are generic clip art to bring me leads for people seeking insurance, loans and   medical insurance. If you tried them they were forwarded to a Company Affiliated with the lady who helped me get the LLC. I do not have anything to manfucture or sell, I have no funds to try and start up any company. I have begged them to let me out of the Third Party Loan as I cannot pay the charges, with no additional income. My health does not allow me to work outside my home. On Aug 24th my only car was struck by a 600 pound Elk and the car is totaled, and I am undergoing treatment for whiplash, back, shoulder and head trama.  So there is no way I can afford to buy a replacement car, mine was 13 yrs old with 185,000 miles on it. I do not know what my insurance company will offer me to settle. I am willing to let the funds remain on my Discover Card for what little work they have done. None of it is what I asked for and I have no need for them now. Just let me out of the third party loan I cannot afford to pay, even before my car accident.

This client, Karen Parker, the Krazy Katt Lady of Port Orange, Florida is upset because Brunswick Merchant Services has gone out of business and is trying to twist the truth to make FirstUSA Business Development responsible for that company's actions.  The information that is given here by her is incorrect, FirstUSA Business Development, Inc. is not a fraudulent company,  FirstUSA is an ethical, reputable company that provides it’s clients with excellent products/services and customer service. At FirstUSA, in our initial call, we never offer or present any products/services to the clients, we simply ask if they are interested in speaking to a representative about other business opportunities. If they request it, we schedule a second appointment for a later date, again, at their request. This gives the prospective client time to decide if they want to continue the conversation and appointment.  We call the client back at that agreed-upon time and find out what products/services that might be beneficial or interested in.  If the client agrees to purchase specific products and services for their business, the client then goes to a compliance department which confirms the products and services the client would like to purchase.  We do mention other companies that share client information with, in reference to products/services only.  However, we are in no way affiliated with Brunswick Merchant Services or responsible for any third party company and that is clearly stated in the signed Terms and Conditions that Ms. Parker signed.

LIMITATION OF LIABILITY In no event will FirstUSA, or its suppliers or licensors, or any individuals associated with those entities, be liable with respect to any subject matter of this agreement under any contract. FirstUSA shall have no liability for any failure or delay due to matters beyond their reasonable control. The foregoing shall not apply to the extent prohibited by applicable law. Client expressly releases FirstUSA from any liability for any content, act or omission of any third party. The Services provided by FirstUSA to Client may include materials from third parties or links to third party websites. The inclusion of these materials and links: (a) are not an endorsement by FirstUSA of these third parties, their products or websites; (b) are not an acknowledgement of any relationship with such third parties; or (c) a warranty or representation of any kind regarding such third parties, their products, or their websites.

In her complaint, Ms. Parker claims that she has paid $15,675.00, which is incorrect.  She paid $6,990.00 between two credit cards and to assist her at the time of sale, because of her financial situation, we agreed to let her set up financing through a third party financial company to make payments on the remaining $8,685.00.  

Ms. Parker did send a cancellation email on March 13, 2017, However, on March 14, 2017 she signed a reversal for her cancellation.  The client claims that she felt pressured to purchase the program. If she did not want to move forward she could have stopped the purchase when she was transferred to the compliance department.  This is a second person, separate from the sales consultant.  If for any reason she felt pressure from the sales consultant, she should have told the compliance representative that she did not want to go through with the program.  At this point, they must read through the terms and conditions and refund policy two different times.  Once during the compliance, and second when they choose to pay their invoice.  The client must sign a contract which outlines in details the products or services to be purchased.  At that time our system generates an invoice which is sent to the client's email address. The client clicks on the invoice and inputs their own credit card or banking information into the system.  Here is a second chance to cancel after she left the sales consultant.  If she did not want to continue, she simply should have not replied to the email and given approval for the payment.  In additon, to make sure that there  is no confusion as to what the client has purchased, during the compliance process, they read over all products/services that are being purchased on a recorded phone line.The products/services purchased by Ms. Parker from FirstUSA are in no way related to or support the products/services purchased from Brunswick Merchant Services.  She purchased our First Step Affiliate Program, a lead generation program, which as stated above, is in no way affiliated with the products/services that she purchased with Brunswick.  These products were added  to promote her First Step Affiliate Program and  per the original sales person, to save her money, we were waiving her domain fee, that is why these are subdomains of FirstUSA …  www.firstusadevelopment.com/ParkerK for her website and www.firstusadevelopment.com/landingpage/ParkerK   for her landing page.

We respect the right of any person/client to express their concerns or issues  that they may have with companies or people they have dealings with. However, Ms. Parker has slandered many of our employees on this Rip-Off Report site, multiple times with the Better Business Bureau, using employees first and last name in attempt to slander them professionally and in an attempt to force our company to give her a refund on the basis of the actions of another company.  This action is also in violation of her signed Terms and Conditions:

PROHIBITED PRACTICES & NON-DISPARAGEMENT. Client shall not use the Services or refer, or encourage others to refer, to FirstUSA, its customers, owners, officers, directors, personnel, agents, representatives or affiliates on any manner that is illegal, fraudulent, threatening, abusive, defamatory, or obscene, or that could cause damage or adversely affect its customers, reputation, business, and property, services or products in any manner. Client shall not make or encourage others to make any statement or release any information that is intended to, or reasonably could be foreseen to, embarrass, criticize, damage, or adversely affect FirstUSA, its customers, owners, officers, directors, personnel, agents, representatives or affiliates. A statement or release of any information under this section includes, but is not limited to, posting on internet websites, bulletin boards, blogs, or discussion groups, and submission to any publication. LAWS

In the reversal signed by Ms. Parker she agreed that she no longer wanted to cancel and agreed to move forward with all of the products/services purchased. She also agreed that she would no longer seek a refund, which she is now doing in her complaints. Once her reversal agreement was signed we agreed to move forward with any products/services that were not finalized. Contrary to her claims here, her Facebook is in fact active https://www.facebook.com/KParker-Solutions-110838212947049. We stand ready to work with this client, as agreed to in the signed reversal agreement, to get the website name and landing page out of the subdomain name and into one that she selects and to install her Analytics and complete her social media marketing including her Press Release.